The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$50,904
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,487
−HK$1,609/mo
Today · 4.125%
HK$54,096
baseline
▲ 0.50% · 4.625%
HK$57,388
+HK$3,292/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,192/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,630
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,149
−HK$1,541/mo
Today · 4.125%
HK$59,690
baseline
▲ 0.50% · 4.625%
HK$62,836
+HK$3,146/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,380/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,085
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,985
−HK$1,930/mo
Today · 4.125%
HK$64,915
baseline
▲ 0.50% · 4.625%
HK$68,865
+HK$3,950/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,830/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,956
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,779
−HK$1,849/mo
Today · 4.125%
HK$71,628
baseline
▲ 0.50% · 4.625%
HK$75,403
+HK$3,775/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,256/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,265
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,482
−HK$2,252/mo
Today · 4.125%
HK$75,734
baseline
▲ 0.50% · 4.625%
HK$80,343
+HK$4,609/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,468/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,282
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,408
−HK$2,158/mo
Today · 4.125%
HK$83,566
baseline
▲ 0.50% · 4.625%
HK$87,970
+HK$4,404/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,132/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,627
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,477
−HK$2,896/mo
Today · 4.125%
HK$97,373
baseline
▲ 0.50% · 4.625%
HK$103,298
+HK$5,925/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,746/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,934
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,668
−HK$2,773/mo
Today · 4.125%
HK$107,441
baseline
▲ 0.50% · 4.625%
HK$113,105
+HK$5,664/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,882/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,761 · Scale 2, in force from 26 Feb 2026)